This portfolio has only about 1.8 years of historical data, based on the youngest asset in your portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

Balanced portfolio with a strong focus on stocks and notable cryptocurrency exposure

Report created on Nov 4, 2025

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

What type of investor this portfolio is suitable for

Balanced Investors

This portfolio suits an investor seeking balanced growth with a moderate to high risk tolerance and a long-term horizon. It prioritizes capital appreciation over income, evident in its heavy allocation to stocks and technology sectors, and includes an innovative component through cryptocurrency exposure. Ideal for individuals comfortable with market fluctuations, aiming to build wealth over time while staying open to emerging investment trends.

Positions

This portfolio showcases a heavy allocation towards stock (94%) with a diversification across geographical regions and sectors. The inclusion of a cryptocurrency ETF (5%) introduces a higher risk and reward component. The portfolio is structured to balance growth through its stock funds and innovation via its cryptocurrency and individual stock choices. Its diversification score reflects a strategic mix aimed at reducing volatility while seeking substantial growth.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 31.10%, the portfolio has significantly outperformed many traditional benchmarks. This high rate of return is accompanied by a maximum drawdown of -22.72%, indicating a relatively high risk-reward ratio. The performance is particularly impressive considering the short periods contributing most to the returns. This historical performance suggests strong asset selection but also underscores the potential for volatility.

Projection Info

Due to limited historical data, this may show extreme values that are not realistic.

Monte Carlo simulations, which use historical data to forecast a range of possible outcomes, project an optimistic future for this portfolio. With all simulations showing positive returns and a median projected growth significantly higher than the initial investment, the forward-looking analysis supports a continued optimistic outlook. However, it's crucial to remember that these projections are not guarantees and depend heavily on past market behavior.

Asset classes Info

  • Stocks
    94%
  • Other
    5%

The overwhelming emphasis on stocks within this portfolio aligns with its balanced risk profile but leans towards a more aggressive growth strategy. The absence of bonds and minimal cash holdings suggest a comfort with short-term volatility in pursuit of long-term gains. This asset class distribution is optimal for investors with a medium to long investment horizon and a moderate to high risk tolerance.

Sectors Info

  • Technology
    32%
  • Financials
    13%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Telecommunications
    8%
  • Health Care
    8%
  • Consumer Staples
    4%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

The sector allocation reveals a strong leaning towards technology, which is consistent with seeking growth-focused investments. However, this concentration increases susceptibility to sector-specific downturns. The financial services and consumer cyclical sectors add a layer of cyclical balance, potentially offsetting tech sector volatility. Diversification across other sectors such as healthcare and industrials further mitigates risk and capitalizes on broader market opportunities.

Regions Info

  • North America
    70%
  • Europe Developed
    10%
  • Asia Emerging
    6%
  • Japan
    3%
  • Asia Developed
    3%
  • Latin America
    1%
  • Africa/Middle East
    1%
  • Australasia
    1%

Geographically, the portfolio is heavily weighted towards North America (70%), with meaningful allocations in developed Europe and emerging Asian markets. This distribution leverages the stability of developed markets while tapping into the growth potential of emerging economies. However, the underrepresentation of regions like Latin America and Africa/Middle East suggests potential missed opportunities in diversification and global growth.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    27%
  • Mid-cap
    13%
  • Small-cap
    4%
  • Micro-cap
    1%

The market capitalization breakdown shows a preference for mega and large-cap stocks, constituting 76% of the portfolio. This bias towards larger companies is conducive to stability and steady growth but may limit the explosive growth potential offered by smaller caps. Including more mid, small, or micro-cap stocks could enhance returns, albeit with added volatility.

Redundant positions Info

  • SCHWAB U.S. LARGE-CAP GROWTH INDEX FUND
    SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES
    High correlation

The high correlation between the SCHWAB U.S. LARGE-CAP GROWTH INDEX FUND and the SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES indicates overlapping investments that may not contribute to diversification. Reducing exposure to one could free up capital for investments in less correlated assets, enhancing the portfolio's overall risk-adjusted performance.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Sharpe ratios in this chart use the active CMA risk-free rate of 2.00% annualized.

Click on the colored dots to explore allocations.

The portfolio's current alignment with the Efficient Frontier could be improved by addressing the overlap in highly correlated assets. This optimization involves reallocating from redundant holdings into assets that diversify risk more effectively. Such adjustments would aim to enhance the portfolio's risk-return profile, moving it closer to the optimal point on the Efficient Frontier.

Dividends Info

  • Schwab Emerging Markets Equity ETF 2.40%
  • SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX FUND INSTITUTIONAL SHARES 3.70%
  • SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 2.60%
  • SCHWAB U.S. LARGE-CAP GROWTH INDEX FUND 0.40%
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES 1.10%
  • Weighted yield (per year) 1.30%

The portfolio's dividend yield stands at an average of 1.30%, with the highest yield from the SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX FUND. While dividends contribute to the total return, the relatively low overall yield suggests a focus on capital appreciation over income. Investors seeking higher income might consider reallocating towards assets with higher dividend yields.

Ongoing product costs Info

  • iShares Bitcoin Trust 0.12%
  • Schwab Emerging Markets Equity ETF 0.11%
  • SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX FUND INSTITUTIONAL SHARES 0.39%
  • SCHWAB INTERNATIONAL INDEX FUND SELECT SHARES 0.06%
  • SCHWAB U.S. LARGE-CAP GROWTH INDEX FUND 0.04%
  • SCHWAB TOTAL STOCK MARKET INDEX FUND SELECT SHARES 0.03%
  • Weighted costs total (per year) 0.06%

The total expense ratio (TER) of 0.06% is impressively low, minimizing the drag on returns due to costs. This efficiency is crucial for long-term growth, as even small differences in costs can significantly impact compounded returns. The portfolio's cost structure is well-optimized, supporting better performance relative to more expensive alternatives.

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